Financing Options
The path forward, made affordable.
Five financing partners. Terms from 12 to 84 months. Soft credit checks at the start. Most patients qualify for a plan that fits their monthly budget, and a smile that doesn’t have to wait.
Amount financed
$15,000
$20,000
$30,000
Term length
24 mo
36 mo
60 mo
84 mo
Estimated monthly payment
~$249
/mo
84-month example at 9.99% APR, approved credit
Amount financed
$15,000
Est. interest over term
~$5,916
Five
Financing Partners
Matched to your case at consultation
12 – 84
Month Terms
Structure the payment to your budget
Soft Pull
Pre-Qualification
Check eligibility, no credit-score hit
HSA / FSA
Eligible
Spend pre-tax dollars first
Estimate your payment
What does $15,000 look like in monthly payments?
Adjust the amount financed and the term length for a rough monthly estimate. Actual rates depend on your credit and the financing partner you choose, but most patients qualify for plans within the ranges shown.
- For two-arch cases, double the financed amount. Most patients with reasonable credit can structure $15,000 to $30,000 across 60 to 84 months for a manageable monthly payment.
- Soft-credit pre-qualification is available with most partners, meaning you can see what you qualify for without affecting your credit score.
Calculation uses 9.99% APR for example purposes. Actual rate depends on credit, partner, and term. Pre-qualification available without affecting credit.
Our five financing partners
Different partners for different needs.
Each partner has different strengths, some specialize in larger amounts and longer terms, others in instant approval at the chair, others in lower interest for higher-credit applicants. We help you pick the right one at consultation.
Best for most patients
Cherry
Soft credit pull · Healthcare-focused
Max amount
Up to $35,000
Term length
3 – 60 months
APR range
0% – 35.99%
Credit check
Soft pull
Instant decision
Yes
Purpose-built for healthcare financing, including dental and oral surgery. Checking eligibility doesn’t affect your credit score. Best for most patients with good-to-excellent credit looking for healthcare-friendly terms.
Best for two-arch cases
Proceed Finance
Long-term implant specialist
Max amount
Up to $65,000
Term length
Up to 84 months
APR range
From 9.99%
Credit check
Soft pull initially
Instant decision
Yes
Specializes in dental implant financing with the longest terms, ideal for two-arch cases or higher amounts where spreading payments across five to seven years brings the monthly into a manageable range.
Best for deciding same-day
Sunbit
Instant chair-side approval
Max amount
Up to $20,000
Term length
3 – 72 months
APR range
0% – 35.99%
Credit check
Soft pull
Instant decision
~30 seconds
Sunbit’s strength is speed, applications take roughly 30 seconds at the chair, and most patients are approved. Useful when you want to commit at consultation without applying for separate financing first.
Best for lowest APR
LendingClub
Higher amounts, lower interest
Max amount
Up to $40,000
Term length
24 – 60 months
APR range
From 7.90%
Credit check
Soft pull initially
Instant decision
Pre-qual instant
Personal loans with potentially lower interest for higher-credit applicants. Best when you want the lowest possible APR and have good-to-excellent credit. Funded as a direct deposit you bring to the practice.
Best for 0% promo payoff
CareCredit
The healthcare credit card standard
Max amount
Varies by approval
Term length
6 – 60 mo promo
APR range
0% promo, then 32.99%
Credit check
Hard pull
Instant decision
Yes
The long-standing healthcare financing card. Useful when you can pay off the balance within a promotional 0% window (6, 12, 18, or 24 months). If the balance isn’t cleared in time, deferred interest applies retroactively, read the terms carefully.
HSA & FSA eligible
Tax-advantaged first dollars.
Full-arch dental implant procedures are typically eligible for payment from Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). These pre-tax dollars can substantially reduce your effective cost.
01
The smartest first dollar
If you have access to either account through your employer or health plan, this is often the first money to put toward the procedure.
02
Stack it with financing
Combine HSA/FSA funds to cover part of the cost, and finance the remaining balance over a term that fits your budget.
03
Paperwork handled
We provide all necessary documentation and procedure coding for HSA/FSA reimbursement at no additional charge.
How it works
From “can I afford this?” to “yes, here’s the plan.”
01
Consultation & quote
Complimentary consultation with Dr. Volland for full-arch cases. You receive a written treatment plan with the exact, all-inclusive price for your case, no surprises.
02
Soft pre-qualification
Apply with one or more partners using soft credit pulls. See what you qualify for without affecting your credit score.
03
Choose your plan
Compare offers across partners. Select the term length and monthly payment that fits your budget. We help you read the fine print.
04
Schedule surgery
Once financing is approved and signed, we schedule your surgical date. Your treatment plan is locked in, and so is your monthly payment.
Begin
The first step is complimentary.
The practice opens April 2027 in Bonney Lake, WA. Schedule a complimentary consultation. Get your written treatment plan with exact pricing. Apply for financing on your timeline, no pressure, no obligation, and no commitment until you decide.
- Complimentary consultation, no referral required
- Written treatment plan with exact, all-inclusive pricing
- Soft-credit pre-qualification that doesn’t affect your score